2008-12-10

Say Goodbye to Debts

According to Wikipedia, "Debt consolidation entails taking out one loan to pay off many others. This is often done to secure a lower interest rate, secure a fixed interest rate or for the convenience of servicing only one loan.

Debt consolidation can simply be from a number of unsecured loans into another unsecured loan, but more often it involves a secured loan against an asset that serves as collateral, most commonly a house. In this case, a mortgage is secured against the house. The collateralization of the loan allows a lower interest rate than without it, because by collateralizing, the asset owner agrees to allow the forced sale (foreclosure) of the asset to pay back the loan. The risk to the lender is reduced so the interest rate offered is lower."

The Budgetplanners.net Debt Consolidation site priority is to help consumers in ways to prevent uncontrollable debt. They are backed by experts in the field of credit counseling and debt management. Consumers facing financial difficulties need the assistance of trained professionals and they have assisted thousands by providing debt reduction and settlement programs through various offices suited to their needs and educating them in the prevention of future credit and debt problems.

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